Medibank Private is one of Australia's largest and most widely known health funds, with millions of members. See what the extras only plans offer and whether one of them is right for you.
Why compare health insurance with Finder?
We don't ask for your phone or email to see prices.
With 1 click, you can open your results to nearly every fund in Australia.
You pay the same price as going direct – we charge no fees.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
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Hang tight - we're fetching policies just for you!
Comparing quotes from 30+ funds...
Top 3 features
Good for people who need access to services like antenatal and postnatal services.
Good for people who don't need major dental but still want cover that includes lots of other services like natural therapies and remedial massage.
Beware if you need health appliances because the waiting periods can be up to 35 months.
What Medibank Extras Only policies are available?
Here are the four different Extras Only policies offered by Medibank:
Healthy Start Extras. This basic plan is only available for singles and couples. It offers 60% back for some of the more widely-used extras services.
Essential Extras. This is another basic extras plan that gives 75% back. It has higher limits but a narrower range of services than Healthy Start Extras.
Growing Family Extras. This plan gives you a choice of 60% or 70% back on a relatively comprehensive range of services. There are also some extra benefits for families and kids.
Top Extras. This plan gives you a choice of 60%, 75% or 90% back on a wide range of extras.
Other benefits of Medibank Private hospital cover include the following:
Online health hub and mobile health apps. You can access tools and information to help you create and sustain a healthy lifestyle for yourself and your family.
25% off GymBetter pass. Get a discount on this app which lets you access a network of gyms around Australia on a pay as you go basis.
10% off other insurance. With Medibank health cover, you can get 10% off Medibank pet, travel and life insurance.
Giveaways and competitions. Members can get involved in Medibank social media competitions and giveaways to earn prizes and other rewards.
How do the costs work?
Your policy will give you back between 60-90% of your treatment costs depending on which policy you choose. Whatever you get back will be deducted from your annual benefit limit for that treatment. Your benefit limit will vary based on the treatment and on the policy you choose.
Waiting periods and limitations
Most treatments come with a waiting period. These are as follows:
No waiting period. Psychology.
One day. Ambulance services.
Six months. Optical.
Twenty-four months. Blood glucose and blood pressure monitors.
Thirty-six months. Hearing aids.
Twelve months. Breathing appliances, major dental and orthodontics.
Two months. Everything else.
How to make a claim
There are five ways you can make your Medibank extras claim:
On-the-spot using your membership card
Online via the member portal.
By using the Medibank Mobile app.
By traditional mail
By visiting Medibank store.
Why you can trust Finder's health insurance experts
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You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
Tim Bennett is a Finder insurance & utilities expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more. See full bio
Tim's expertise
Tim has written 115 Finder guides across topics including:
Medibank runs regular offers, sign-up discounts and promo codes. Compare Medibank sign-up deals for July 2024 below.
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You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
